116 E Main St, Centreville, MI 49032 Property Records

St. Joseph County property record for 116 E Main St, Centreville, MI 49032

Property Summary

Property Type	Commercial
Details	1,272 sqft
Lot Size	0.07 acres (3,049 sqft)
Owner	Company Name on Record
Last Sale	$55,000 (Aug 2025)
Tax Bill	$700 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-110-109-00`

Property Details

APN / Parcel Number

Primary APN	`042-110-109-00`

Interior

Building Area	1,272 sqft Building Perimeter

Exterior

Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Street Address	116 E MAIN ST
City	CENTREVILLE
State	MI
Zip	49032-5144
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COM 42 FT 9 IN W OF NE COR LOT 3 BLK 22 TH S 110 FT TH W 26.25 FT TH N 110 FT TH E 26.25 FT TO POB ORIG PLAT VIL OF CENTREVIL
Legal Subdivision	VIL OF CENTREVILLE
Legal Block	22
Legal Lot Number	3
Jurisdiction	ST JOSEPH MI
Township / Civil Division	NOTTAWA
Census Block Group	2
Census Block	2066
Census Tract	41301

Owner

Source: St. Joseph County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	61618 BAYSHORE DR, STURGIS, MI 49091-9681
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
	Deed of Trust, Mortgage
Sep 4, 2007	Warranty Deed, Transfer · Commercial Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Sep 4, 2007 · Amount on Record
Deed Document Number	20256554
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	116 E MAIN ST, CENTREVILLE, MI 49032-5144
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E MAIN ST, CENTREVILLE, MI 49032-5144

Mortgage

Document Number	2022008921
Date	Oct 14, 2022
Instrument	2022008921

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH MI
Property Address	116 E MAIN ST, CENTREVILLE, MI 49032-5144
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH MI
Recording Date	Sep 4, 2007
Property Address	116 E MAIN ST, CENTREVILLE, MI 49032-5144
Document Number	01452/0582
Book / Page	1452 / 0582
Instrument Date	Aug 27, 2007
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 E MAIN ST, CENTREVILLE, MI 49032-5144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63681 ENGLE RD, CONSTANTINE, MI 49042-9729

Mortgage

Document Number	0014520584
Date	Sep 4, 2007
Instrument	1452/0584

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Change Frequency	3 Years
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	3-Year TN
Max Rate	12.7%

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Centreville Village
County	St. Joseph County
County Subdivision	Nottawa Township
Unified School District	Centreville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,600	$61,200
2025	$700.00 Homeowner's exemption

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTREVILLE serves 1,579 people · EPA ID MI0001310
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

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